Re: To Mods: Cap One Exec Office sticky suggestion

starry1 wrote:Can we also start abbreviating it to C1EO? Just like the robot, only not as polite.

Well, that would stop the decline in posts I guess, as we would still get most of "Can someone PM me the email for the Capital One Executive Office" along with a whole new set of "What does C1EO mean?"

Re: To Mods: Cap One Exec Office sticky suggestion

I would thread carefully with this. I can only imagine the amount of forum traffic has increased but the Executive Office has also seen a high increase in callers. It should be noted that the only time you should use them is if you really deserve it or have an issue. If every single person doesn't at least try with their regular customer service, account managers, etc and just call up the EO eventually they will either change numbers and everyone will have ruined a very usefull way in getting assistance or they will start to become less effective and manage the regular calls similar to their lower level reps. So perhaps some balance is needed instead of just promoting this number/emaill as the new regular customer service number. Finally, one can only hope that this leads Capital One into changing some of their policies so it is easier to get a CLI without bothering the EO along with Product Changes and so on.

Re: To Mods: Cap One Exec Office sticky suggestion

I would thread carefully with this. I can only imagine the amount of forum traffic has increased but the Executive Office has also seen a high increase in callers. It should be noted that the only time you should use them is if you really deserve it or have an issue. If every single person doesn't at least try with their regular customer service, account managers, etc and just call up the EO eventually they will either change numbers and everyone will have ruined a very usefull way in getting assistance or they will start to become less effective and manage the regular calls similar to their lower level reps. So perhaps some balance is needed instead of just promoting this number/emaill as the new regular customer service number. Finally, one can only hope that this leads Capital One into changing some of their policies so it is easier to get a CLI without bothering the EO along with Product Changes and so on.

You may be right, but given the prevalence of threads on this, my guess is that anyone who is going to "abuse" the process (by calling EO first rather than customer service) probably already is doing that, but not before posting N times asking for contact info.

I agree people should be told to try CS first, and that EO is a last resort. But I don't think we can use the concept of "really deserve", most people feel they really deserve a CLI/AF reduction/rewards etc.

And yes, Cap One might change contact info because too many people use it, but in some cosmic way that is at least as fair as the current situation, where it only works because a small number of people happen (through no great merit of their own) to know about it. Which is only good if you are one of those people....

I would thread carefully with this. I can only imagine the amount of forum traffic has increased but the Executive Office has also seen a high increase in callers. It should be noted that the only time you should use them is if you really deserve it or have an issue. If every single person doesn't at least try with their regular customer service, account managers, etc and just call up the EO eventually they will either change numbers and everyone will have ruined a very usefull way in getting assistance or they will start to become less effective and manage the regular calls similar to their lower level reps. So perhaps some balance is needed instead of just promoting this number/emaill as the new regular customer service number. Finally, one can only hope that this leads Capital One into changing some of their policies so it is easier to get a CLI without bothering the EO along with Product Changes and so on.

You may be right, but given the prevalence of threads on this, my guess is that anyone who is going to "abuse" the process (by calling EO first rather than customer service) probably already is doing that, but not before posting N times asking for contact info.

I agree people should be told to try CS first, and that EO is a last resort. But I don't think we can use the concept of "really deserve", most people feel they really deserve a CLI/AF reduction/rewards etc.

And yes, Cap One might change contact info because too many people use it, but in some cosmic way that is at least as fair as the current situation, where it only works because a small number of people happen (through no great merit of their own) to know about it. Which is only good if you are one of those people....

What I mean by "really deserve" it is quite simple. If you have been running up a lot of charges, paid on time, and your credit shows you are on the right path...you should get an increase. BUT many people that refer to Capital One as "Crap One" and similar names forget that Capital One probably gave them a chance to prove themselves which in term led them to being able to get other cards. It goes back to the statement "don't bite the hand that feeds you" and then they call them up insulting them because they didn't get an increase even if their reports show 10 collections, 20 inqs, etc. Unfortunaltey, some people just think because they are cardholders they are automatically "entitled" even if their reports are less than perfect. That is the main issue because they do get calls saying if they don't get an increase they will close the account, find better banks, etc. Is that really what every cardmember should resort to doing? I would hope not.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair
organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or
assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.